Creating a budget is the part that scares everyone. The word budget makes people cringe for some reason. But really it should make you excited, because sticking to a budget will help you amass wealth and savings. 

Creating a budget is essential to your family’s financial success. It is not enough to just know how much you have coming in and going out each month; you have to put something down on paper and ensure that the family sticks to the plan. 

Creating a plan with your income, expenses, and savings is the easiest way to do this, and you can use paper, a whiteboard, or even your computer to create a spreadsheet. How you create this essential document  isn’t as important as how you use it. Make sure that wherever you create it, it is somewhere accessible, so that you can refer to it regularly and make adjustments when necessary.

Follow Gina & Joe's advice for tips, advice and guidance for financial success.